difference between single borrower and co-borrower with no incomeMy husband and are in the process of refinancing from a 30 to a 15 with our existing lender on a HARP streamline refi. My husband makes 100% of the income in our family. I have a consulting business that has been losing money for two years that I intend on closing. He makes 190K a year and I make 0. The refi doesn't verify income which for us is a bad thing as it is our strongest plus as borrowers. 1. Would it be easier to have him be the only borrower even if we originally were on the first loan together? 2. Is it too late if we are just now getting the paperwork to fill out to change the status from borrower/coborrower to single borrower and spouse.December 14 2011 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.